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I would certainly get pet insurance, we have got a blue heeler x puppy who was recently bitten by a snake while out for a walk. If we had not had insurance then the vets fee for a sturday night after hours call out plus the 2 injections would have been hundreds of dollars!!We actually paid very little in the end i think but i will check. just because of venemous things here i would get insurance though and puppies are quite inquisitive!!